Call reports 2009
RVR BANK — 2009
What RVR BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 196,305,000 | 207,535,000 | 213,612,000 | 225,212,000 |
| Total loans | 138,827,000 | 146,282,000 | 147,594,000 | 151,081,000 |
| Allowance for loan losses | 1,878,000 | 2,024,000 | 2,392,000 | 2,207,000 |
| Securities available for sale | 33,984,000 | 33,252,000 | 33,286,000 | 30,033,000 |
| Securities held to maturity | 1,514,000 | 913,000 | 387,000 | 382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,904,000 | 175,379,000 | 182,120,000 | 195,224,000 |
| Interest-bearing deposits | 139,555,000 | 143,875,000 | 151,067,000 | 156,763,000 |
| Noninterest-bearing deposits | 27,349,000 | 31,504,000 | 31,053,000 | 38,461,000 |
| Equity capital | 16,021,000 | 16,009,000 | 16,704,000 | 17,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,674,000 | 5,406,000 | 8,183,000 | 10,972,000 |
| Interest expense | 928,000 | 1,819,000 | 2,730,000 | 3,595,000 |
| Net interest income | 1,746,000 | 3,587,000 | 5,453,000 | 7,377,000 |
| Noninterest income | 534,000 | 1,123,000 | 1,688,000 | 2,247,000 |
| Noninterest expense | 1,260,000 | 2,712,000 | 4,097,000 | 5,471,000 |
| Provision for loan losses | 120,000 | 440,000 | 825,000 | 1,420,000 |
| Pretax income | 900,000 | 1,558,000 | 2,219,000 | 2,733,000 |
| Income tax | 19,000 | 39,000 | 59,000 | 82,000 |
| Net income | 881,000 | 1,519,000 | 2,160,000 | 2,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,206,000 | 15,348,000 | 15,833,000 | 16,324,000 |
| Total capital | 17,084,000 | 17,354,000 | 17,873,000 | 18,433,000 |
| Risk-weighted assets | 155,030,000 | 160,457,000 | 162,847,000 | 168,599,000 |